Kiosk Solutions

Leveling the Paying Field™

Kiosks are machines, high-tech to be sure with interactive software, high-definition monitors, hardened safes, facilitating any and all human languages as desired. The kiosks allow for the processing of complex payments by cash, personal check or credit card in a safe, secure, consistent and reliable manner for both payee and the biller. And that’s all good, important and essential. But that’s not enough.

Leveling the Paying Field™

Kiosks are machines, high-tech to be sure with interactive software, high-definition monitors, hardened safes, facilitating any and all human languages as desired. The kiosks allow for the processing of complex payments by cash, personal check or credit card in a safe, secure, consistent and reliable manner for both payee and the biller. And that’s all good, important and essential. But that’s not enough.

Escalating Convenience

The DivDat Kiosk Network (DKN) Payment model does something that we think is unique in the industry and is a game changer for best practices employed by major billers. Our proprietary system for utilizing kiosks goes far beyond what’s described in the paragraphs above in terms of connecting billers with a significant segment and demographic of their customer base. What some may describe as a monolithic corporation clad in a granite building or big government with faceless bureaucrats, for some people engaging in the payment process with a major utility or government agency is a daunting, imposing process.

DivDat Payment Kiosk

Research shows there is a significant segment of the population in every city in America that is cash-preferred, unbanked or under-banked. They may shun credit cards – not because they are not credit worthy, but due to high-fees, interest rates and difficulty in using credit to manage their budgetary affairs. These are hard working families, with multiple low-wage jobs, hovering around the poverty line. Many are also transportation and technology challenged. The high-speed internet and Wi-Fi we may take for granted may not be as prevalent among many consumers as some would assume. Factor in language barriers and other issues and you have a recipe for a communications and biller/payer breakdown.

The DivDat Kiosk Network success factor is not in just the proprietary software and backend IT integration for real-time payments. The Kiosk network serves as a “bridge” between essential billers and consumers.

DivDat Payment Kiosk

Research shows there is a significant segment of the population in every city in America that is cash-preferred, unbanked or under-banked. They may shun credit cards – not because they are not credit worthy, but due to high-fees, interest rates and difficulty in using credit to manage their budgetary affairs. These are hard working families, with multiple low-wage jobs, hovering around the poverty line. Many are also transportation and technology challenged. The high-speed internet and Wi-Fi we may take for granted may not be as prevalent among many consumers as some would assume. Factor in language barriers and other issues and you have a recipe for a communications and biller/payer breakdown.

The DivDat Kiosk Network success factor is not in just the proprietary software and backend IT integration for real-time payments. The Kiosk network serves as a “bridge” between essential billers and consumers.

Did You Know?

No jobs have been lost by anyone associated with our kiosk deployment at DTE Energy, Wayne County Treasurer, Detroit Water and Sewerage Department of City of Detroit Treasury, all of whom have reallocated resources. We have helped Wayne County reduce overtime. Staff that would have taken walk-in payments are now helping people with more complex tax issues or in signing up for payment plans or other needed assistance.

DTE Energy’s former cashiers are in customer service and support roles. In point of fact, the Kiosks are job creators. Jobs are created for ambassadors, armored car services, marketing, advertising, management and a host of support personnel required to expand the business model.